State credit union · CHARLOTTE, North Carolina · NCUA charter #63425
NOVA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $120.7M
- Total assets
- 11,048
- Members
- 17.6%
- Net-worth ratio
NOVA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $120.7M; members 11,048; net-worth ratio 17.58%; health rank #1,395 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,395 of 4,374 health · 2025Q4NOVA · health 88/100 · $120.7M · 2025Q4
Call Report peers
NOVA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NOVA vs every NCUA-scored credit union
NOVA sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
NOVA: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +5.47 pp (17.58% vs 12.11%).
- Largest lag: Return on Assets at 0.10% vs peer 0.62% (-0.52 pp).
NOVA in North Carolina
- North Carolina health ordinal: #17 of 57.
- Assets rank #23 of 57 inside North Carolina ($120.7M reported).
- Membership ranks #23 of 57 among North Carolina CUs with a reported count (11,048 members).
- One place up in North Carolina, CAROLINA (#16) scores 89/100, 1 point higher; one place down, Telco Community Credit Union (#18) scores 87/100, 1 point lower.
How NOVA's 5300 filing moved
NOVA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $120.7M (2025Q4) to $120.6M (2026Q1).
- Net-worth ratio shifted +0.53 pp (17.05% → 17.58%).
This credit union's 17.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
NOVA gives up 12 points in total. Return on Assets costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.8 pts
NOVA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.58% | +5.47 pp |
| Delinquency Rate | 0.25% | -0.64 pp |
| Return on Assets | 0.10% | -0.52 pp |
| Member Growth | 0.18% | - |
| Loan-to-Share Ratio | 77.03% | +4.83 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - NOVA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $120.6M | - |
| 2025Q4 | $120.7M | 11,048 |
| 2024Q4 | $120.3M | 11,028 |
| 2023Q4 | $120.6M | 11,277 |
Credit Union Details
- Charter Number
- 63425
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- CHARLOTTE
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for NOVA, spread across 6 cities in 2 states.
| Office | City |
|---|---|
| Nova Credit Union (Main Office) | Charlotte, NC |
| Nova Credit Union | Concord, NC |
| Nova Credit Union | Greensboro, NC |
| Nova Credit Union | Hickory, NC |
| Nova Credit Union | Kannapolis, NC |
| Jack Henry Outlink Services | Lenexa, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Other-state peers near NOVA
Using this data
- NOVA ranks #1,395 of 4,374 nationally on financial health and #17 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bragg Mutual is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bragg Mutual
Frequently Asked Questions
Is NOVA financially healthy?
NOVA has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,395 of 4,374 nationally on health and #17 of 57 in North Carolina. Its net worth ratio is 17.58% and its delinquency rate 0.25%.
How does NOVA compare to other credit unions?
NOVA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.58% vs 12.11%). Its widest shortfall is return on assets (0.10% vs 0.62%).
How can I join NOVA?
Membership eligibility for NOVA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NOVA directly for current membership requirements and application steps.
Is my money safe at NOVA?
NOVA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NOVA's net worth ratio of 17.58% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.